Spendy vs Monyze

The fastest way to log — and share — your spending. Spendy, the minimal budget app. Open the app and you are already on the entry screen. Even without an amount, a tag and a one-line note become your diary for the day. If complex budget apps wore you out, Spendy makes recording a habit. Recommended For - Those who quit budget apps because they felt too complicated - Couples, families, and friends who want to track expenses together - People who want to record both their spending and their feelings Key Features Recording - Quick entry first: start typing the moment you open the app. - Budget as a diary: capture moments with just tags and notes — no amount needed. - Tag management: understand your spending patterns at a glance. - Attach photos and scan documents to keep receipts together. Sharing & Sync - iCloud shared budget: record and manage expenses in real time with your partner, family, or friends. - Automatic sync across all your Apple devices — iPhone, iPad, and Mac. Views & Insights - Timeline and calendar views: browse your history the way you like. - Smart lists: automatically group expenses by the conditions you set. - Calendar & Reminders integration: see your schedule and spending in one timeline. Automation - Automatically register Apple Pay and SMS transactions. - Build your own entry flows with Shortcuts support. Widgets - Home Screen and Lock Screen widgets show today's spending at a glance. - Widget quick actions: memo, search, take a photo, scan a document. Privacy - Your ledger is stored in your own iCloud, not on our servers. Some features are part of Spendy Premium, a one-time purchase you keep forever. Start your habit of recording both money and moments with Spendy today. Terms of Use: https://onessa.app/spendy/terms/ Privacy Policy: https://onessa.app/spendy/privacy/

Who with, what for, how - track and analyze your spending from every angle Monyze is a new kind of budget tracker that lets you tag each transaction with multiple categories at once. When you record "$50 dinner with a friend": Other apps: Food $50 - done. Monyze: Who? Friend / What? Food / Type? Variable - all at once! Now you can instantly see how much you spend with friends, how much of your food budget is fixed costs, and so much more. [!!!Launch Special - All Features Free!!!] Download now and enjoy every feature, including premium tools, completely free. [Multi-Angle Analysis - Only in Monyze] - Multi-Category System Apply multiple classification layers to each transaction: "With / For / Nature" and more. Add, edit, or remove top-level categories freely. Build your own classification system. How to use it: - With: Track spending by companion - Me, Friends, Partner, Family - For: Categorize by purpose - Food, Transport, Culture, Living - Nature: Fixed vs Variable costs for financial health checks - Add your own: "Payment method", "Project", "Trip" - any angle you want - Category Filter Analysis Toggle category layers on and off in pie charts and bar graphs to explore your spending patterns from every angle. - Linked Transactions Link related transactions and only the net amount counts in your totals. Records are preserved, double-counting is eliminated. Perfect for: - Splitting bills: Pay $100 for the group, get $75 back, only $25 counts as your expense - Lending and repaying: Link the loan and repayment to see the net impact - Investment buy and sell: Link purchase and sale to instantly see your profit or loss - Card cashback and rewards: Link the cashback to the original purchase for true spending - Refunds: Link the refund to the purchase for clean accounting [Smart Money Management] - Income, expense and savings at a glance per account - Charts by period (weekly / monthly / yearly) - Calendar view with daily income and expenses - Transaction search (category filter + text search) - Edit, delete, or unlink transactions anytime [Works Worldwide] - 14 currencies supported - Record in local currency while traveling - auto-converted to your base currency - Manually adjust exchange rates anytime - Full English and Korean support [Excel Dashboard Export] - Export all transactions to a polished Excel file in one tap - Financial dashboard: savings rate, emergency fund ratio and fixed-cost ratio auto-diagnosed - Set a net worth goal and get required savings and investment return calculated automatically - Weekly, monthly and yearly summaries with category breakdowns - Auto-filters to slice and dice your data freely [Privacy First] - No servers - all data stays on your device - Even we cannot see your data - Works perfectly offline - PIN lock to protect your app Understand your spending in 3D with Monyze, and take the next step toward your financial goals. Contact: uraniumura1996@gmail.com